When can you
retire?
Your whole plan, on one screen
- The year you could stop working, front and center
- The chance your money lasts, calculated from your real numbers
- Updates the moment you change anything
Will it last?
chance it lasts
to age 92
Retire at
56
in 18 years
Saved by then
$887.3K
today’s $
Lifetime projection
cautious · 2.5% realEverything about your money, in one place
- Accounts, income, spending, home — each its own simple page
- Built for couples — two incomes, two retirement dates, one plan
- No bank logins required — just a few typed numbers
Household
filing jointly
Accounts
$190K- 401(k)$118K
- Roth IRA$38K
- Brokerage$22K
- Cash$12K
Each month
- Take-home$7,200
- Spending$5,000
- Saving$2,200
- Social Security$3,600
Watch every account become one curve
- Everything you own and owe, from today to 92
- Today's dollars or future dollars — one toggle
- Watch the crossover from saving to spending
Net worth today
$190K
At retirement
$887.3K
At age 92
$229K
Net worth over time
everything you own & oweSee where every dollar goes
- Take-home, spending, saving — one clear picture
- See the gap that funds your retirement
- Edit any category and watch the plan respond
Take-home
$7,200
per month, after tax
Spending
$5,000
69% of take-home
Saving
30.6%$2,200
funds your retirement
Where every dollar goes
take-home → spending & savingThe ember stream is the saving that funds retirement — $2,200 a month.
Tested against the hardest markets in history
- Tested against every market since 1871
- Thousands of simulated futures, one clear probability
- See the unlucky paths, not just the average
Will it last to 92?
93%
7% run low in the harshest markets
Tested since
1871
every market in history
Worst cohort
1966
the hardest start on record
Many futures, one cone of outcomes
balance to age 92This preview draws 100 seeded futures; your real plan runs 10,000 by default — plus every market since 1871.
Try a big life change before you live it
- Model a real life event — a kid, a home, a sabbatical
- See exactly what it costs your plan
- And what it'd take to stay on track
Plan as it stands
Retire at 56
93%
money lasts to 92
With a kid
−18 pts≈ $850/mo more spending
75%
money lasts to 92
Both futures, side by side
A child adds steady spending — see what it costs the plan, and what it'd take to stay on track.
150+ years of market data
real history, since 1871
Every number tested
independent checks on the math
Built on the research
Bengen · Trinity · Shiller
No bank logins
a few typed numbers — yours alone
1.0 · The proof
Stress-tested against every market since 1871.
Your plan retires into 1929, 1973, and 2008 before it ever meets the future — then runs through thousands of simulated futures. The number you see is the share of those futures where the money lasts.
- where our market history begins — more than 150 years of real data
- 1871
- simulated futures every new plan is tested against
- 10,000
- states with real tax math, plus federal and Medicare
- All 50
where our market history begins — more than 150 years of real data
simulated futures every new plan is tested against
states with real tax math, plus federal and Medicare
Market history: Shiller (Yale), 1871–2023, extended through 2025 with Federal Reserve (FRED) data. Simulation count is the default — you can tune it.
2.0 · The depth
Easy to start. Deep when you’re ready.
Start light. Whenever a real question comes up — taxes, timing, the two of you — the depth is already built in.
Taxes, done properly
Federal brackets, every state, Medicare premiums, health-insurance subsidies. Most calculators skip taxes; yours shouldn't.
Social Security, timed well
When each of you claims changes everything. Calcifir does that math, including what the survivor keeps.
Made for two
Two incomes, two retirement dates, one plan — and it keeps working for whoever it has to.
Tested against history
Backtested against every downturn on record — and thousands of simulated futures on top.
Every assumption shown
Each number links to its source, and you can change any of them. No black boxes anywhere.
Yours alone
No bank logins, no data selling. You type a handful of numbers; they stay yours.
Built on published retirement research and more than 150 years of market history — every source linked in Learn.
We show our work
A 4% first-year withdrawal, adjusted for inflation each year, survived every 30-year retirement in U.S. market history — that finding started this whole field.
William Bengen, Journal of Financial Planning, 1994 — re-examined in Learn
Every number we show is computed from your inputs and pinned by independent tests. When we simplify, we say so.
The promise the whole product is built around
3.0 · The beginning
Ten minutes to a real answer.
Answer a few simple questions
What you earn, spend, and save — and your partner, if there is one. No documents required.
Land on your live plan
Not a demo. Your year, your chance, your whole lifetime curve — drawn from what you just typed.
Explore your options
Stop two years earlier. Spend a little more. Watch the answer move the moment you do.
Pricing
The core is free.
One household plan, the lifetime view, the stress tests, every guide — free, no card. Pro is for when you want to weigh whole futures against each other.
Free
$0
A real answer, not a trial.
- Your full plan — the year you could stop, and the chance it holds
- Stress tests against real market history and thousands of simulated futures
- Every guide, with every assumption shown and sourced
- Synced across your devices
Pro
$12 / month
or $96/year — that’s $8/month.
- Everything in Free
- Advanced tax planning — withdrawal order, conversions, health subsidies
- Side-by-side what-ifs: compare whole futures before you choose
- Printable snapshots to share with a partner or advisor
Common questions
Is it really free?
Yes. The free plan is the whole core: your household plan, the lifetime view, the stress tests, every guide — no card, no trial clock. Pro ($12/month) adds side-by-side what-ifs, advanced tax planning, and printable snapshots.
Do I have to link my bank accounts?
No — never. You type in a handful of numbers, and that's the whole setup. Nothing connects to your bank, and nothing needs to.
Do you sell my data?
No. Your plan lives under your account so it can sync across your devices — that's all it does. We don't sell it, mine it, or share it.
Can we plan as a couple?
Yes — that's the default, not an add-on. Two incomes, two retirement dates, government benefits timed for each of you, and a plan that keeps working for whoever it has to.
Learn
The ideas behind your plan.
Plain-English guides to every idea inside — each one citing the research it stands on. No account needed.